DR. AJAZ AHMAD BHAT. Digital financial innovation, smart tourism ecosystems and destination competitiveness: a framework for sustainable tourism development in Jammu & Kashmir. Journal of Social Responsibility, Tourism and Hospitality, [S. l.], v. 6, n. 1, p. 46–54, 2026. DOI: 10.55529/jsrth.61.46.54. Disponível em: https://journal.hmjournals.com/index.php/JSRTH/article/view/6690. Acesso em: 4 nov. 2026.